September 28, 2026 — Roxom, a Bitcoin financial platform that lets users borrow, earn and invest, today launched BLOC ReFi to help borrowers refinance existing bitcoin-backed loans at 7.25% APR.
Borrowers can call or message the ReFi team on WhatsApp at (682) 271-7956 or submit their loan details at roxom.com/refi. The team reviews the existing loan and helps coordinate the switch. For eligible loans, Roxom can pay the current lender directly, allowing borrowers to refinance without first providing cash or additional bitcoin collateral.
BLOC ReFi also includes a first-month interest rebate. Interest accrues at 7.25% APR as simple interest on the outstanding balance and does not compound. Borrowers who keep their credit line open for 12 months receive a rebate equal to their first month’s interest at month 12.
“Bitcoin lending rates are too high. They eat into returns and limit what people can do with their capital,” said Borja Martel Seward, CEO of Roxom.
“We’re lowering the cost of borrowing so more people can put their bitcoin to work, whether that means funding a Digital Credit carry trade, investing in assets, or covering expenses, without selling it. We’ll help them make the switch, and I’ll be taking calls myself.”
Lower Borrowing Costs with Flexible Repayment
Roxom’s Bitcoin Line of Credit has no fixed term or scheduled monthly payments, and no origination, prepayment or closure fees. Interest accrues at 7.25% APR as simple interest on the outstanding balance and does not compound. Borrowers must maintain the required collateral. A 2% fee applies if collateral is liquidated.
For illustration, a borrower refinancing a $100,000 loan from 11.5% APR to 7.25% APR could save approximately $4,854 in the first year, including the conditional first-month interest rebate. This assumes an unchanged balance and rates, simple interest over 12 months and no switching costs.
Bitcoin collateral is held in a legally segregated account and is never lent out, reused or pledged to another party. Learn more about custody and security.
Personal Help Through the Switch
BLOC ReFi supports borrowers whose bitcoin is held by their current lender, as well as those who can use spare bitcoin or cash to complete the refinance. Direct lender payoff is subject to review of the existing loan and the lender’s collateral release process. Completion times depend on the borrower’s circumstances and current lender.
For Roxom Private clients, service includes a personal call before collateral is liquidated. This benefit is specific to Private clients and does not eliminate liquidation risk.
The ReFi team is available in English and Spanish, Monday through Friday, 10:00 UTC to midnight. Borrowers can call or message (682) 271-7956 on WhatsApp, or visit roxom.com/refi to calculate potential savings and submit loan details.
BLOC ReFi is not available to U.S. persons. Refinancing is subject to eligibility and loan review.
About Roxom
Roxom is building Bitcoin Capital Markets, enabling users to borrow against their bitcoin, earn bitcoin income and invest in stocks, ETFs and Digital Credit using bitcoin or stablecoins. Built in Argentina, the platform brings these services together to help users put their bitcoin to work and build their bitcoin wealth. Its vision is to make bitcoin the base currency of capital markets, with assets priced in bitcoin and investment returns measured against it. Learn more at roxom.com.
Media contact
Priyag Babaria
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